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City · 10,700 residents · Cook County, Illinois

Worth , Illinois

In Worth, a typical home is worth $215,000 and typical rent is $1,169 a month. Compared with all of Cook County, the typical home value is 34% lower, typical household income is 33% lower, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $215,000

    34% below the county

    18% below Illinois

    • Worth
    • Cook
    • Illinois

  • Typical rent

    $1,169a month

    19% below the county

    8% below Illinois

    • Worth
    • Cook
    • Illinois

  • Typical household income

    $56,288a year

    33% below the county

    33% below Illinois

    • Worth
    • Cook
    • Illinois

  • Households that own their home

    64%

    6 points above the county

    3 points below Illinois

    • Worth
    • Cook
    • Illinois

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$277,185
4.9% more than 12 months ago
Typical rent
$1,515 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Worth is in Cook County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cook County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Worth apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Worth is worth $215,000, 34% less than in Cook County as a whole ($324,500).

  2. The typical household income in Worth is $56,288, 33% less than in Cook County as a whole ($83,498).

  3. The typical rent in Worth is $1,169 a month, 19% less than in Cook County as a whole ($1,435).

  4. 17% of households in Worth have no internet at home (6% in Cook County).

  5. 64% of households in Worth own their home, against 58% in Cook County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Worth

What homes there are in Worth, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Worth there is a bit of everything: no kind of home reaches half. The most common are detached houses (49%), more than in Cook County (40%).

There are more mobile homes here than in Cook County: 6% of homes, against 1%.

Year built

Homes in Worth are newer: the typical year built is 1968; in Cook County, 1961.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 98% of owner-occupied homes in Worth are worth less than $500,000, below the FHA loan limit for Cook County ($541,287).

Monthly rent with utilities

With a mortgage

$1,670 a month

Cook County: $2,270 a month

Without a mortgage

$745 a month

Cook County: $910 a month

Owners with a mortgage

62%

Cook County: 62%

The typical cost for an owner with a mortgage in Worth is $1,670 a month, less than in Cook County ($2,270); without one, $745.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Worth rose 26% since 2015–2019, less than in Cook County (32%).

Since 2015–2019, the typical rent in Worth rose 20%, less than in Cook County (28%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureWorthCook CountyIllinoisUnited States
Rental vacancy Unreliable estimate4.5%5.0%5.5%
Homeowner vacancy Unreliable estimate1.1%1.0%0.9%
More than one person per room Unreliable estimate3.3%2.5%3.4%
People per household 2.412.432.462.53
Drive alone 80%55%66%69%
Carpool 8%8%8%9%
Public transit Unreliable estimate12%6%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 7%19%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Worth has 2.41 people on average, about the same as in Cook County (2.43).

To get to work, 80% of workers in Worth drive alone; in Cook County, 55%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Worth?

A typical home costs more than the typical income allows

We start with a typical home in Worth, worth $215,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Worth, which is $56,288 a year. For that payment to be 28% of income, a household would need to earn about $88,862 a year.

The calculator's FHA and conventional loan limits are those of all of Cook County.

Your numbers

Local data
$

Starts at the typical home value in Worth. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,525 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,073

at 7.18% · 30 years

Loan amount
$211,106
Total interest
$303,732
Paid off in
November 2056

Includes $3,631 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,313 a month

  • Tight

    $1,313 to $1,689 a month

  • Hard

    more than $1,689 a month

    Your payment · 44%

Compared with the typical household income in Worth ($56,288 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,073
Principal & interest$1,430
Property tax$459
Home insurance$90
FHA mortgage insurance (MIP)$95

You need at least $7,525 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Worth and Cook County

Worth is in Cook County, Illinois. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Worth's own numbers

Typical home value
$215,000
Typical monthly rent
$1,169
Typical yearly household income
$56,288
Households that own their home
64%
Effective property tax rate
2.56%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cook County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,011
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Cook County.

Everything about Cook County

Buying

Buying a home in Worth

A typical home in Worth is worth $215,000: 34% below the county and 18% below Illinois. With the typical household income in Worth ($56,288 a year), a typical home costs 3.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Worth 3.8 years
  • Cook 3.9 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cook County

According to FHFA’s house price index, home prices in Cook County rose 61% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cook County.

Period County Illinois U.S.
Last year (2025) +5.5% +5.7% +2.9%
5 years (2020–2025) +42% +47% +47%
10 years (2015–2025) +61% +65% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Worth next to Cook County, Illinois and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Worth $215,000
  • Cook $324,500
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Worth $1,169
  • Cook $1,435
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Worth $56,288
  • Cook $83,498
  • Illinois $83,390
  • United States $80,734
See the full table
Worth next to Cook County and Illinois
Measure Worth Cook County Illinois U.S.
Typical home value $215,000 $324,500 $263,300 $332,700
Typical monthly rent $1,169 $1,435 $1,274 $1,413
Typical yearly household income $56,288 $83,498 $83,390 $80,734
Households that own their home 64% 58% 67% 65%
Typical yearly property tax $5,510 $6,191 $5,298 $3,119
Effective property tax rate 2.56% 1.91% 2.01% 0.94%
Renters with high rent for their income 58% 49% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cook County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Worth

For a typical $215,000 home in Worth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Worth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,073a month

    Least cash to close
    Down payment
    $7,525
    Cash to close
    $13,975
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $95

  • Conventional, 5% down $2,034a month

    Down payment
    $10,750
    Cash to close
    $17,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $102

  • Conventional, 20% down, no PMI $1,713a month

    Down payment
    $43,000
    Cash to close
    $49,450
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,912a month

    Down payment
    $32,250
    Cash to close
    $38,700
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Worth and for Cook County.

Property tax

Effective rate in Worth

2.56%of the home’s value each year

$5,510 a year for the typical owner in Worth.

  • Worth 2.56%
  • Cook 1.91%
  • Illinois 2.01%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Flood risk in Cook County

FEMA does not publish these numbers by city: they are for all of Cook County.

Homes in the high-risk zone
1%
12,558
Of those, with NFIP insurance
32%
County Illinois U.S.
Homes in the high-risk zone 1% 1.5% 3.5%
Of those, with NFIP insurance 32% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Worth

Typical rent in Worth is $1,169 a month: 19% below the county. In Worth, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cook County, by unit size. To pay the 2-bedroom one ($2,011 a month) without spending more than 30% of your income, you would need to earn $38.67 an hour working full time.

HUD fair market rent for all of Cook County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,678 $32.27 $67,120
1 bedroom $1,780 $34.23 $71,200
2 bedrooms $2,011 $38.67 $80,440
3 bedrooms $2,586 $49.73 $103,440
4 bedrooms $2,954 $56.81 $118,160

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Worth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Worth is in ZIP code 60482.

For 2 bedrooms it is $1,610: $401 less than the fair market rent for Cook County ($2,011).

  • 60482 $1,610$2,070

A ZIP code counts for Worth when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Worth

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 42 HUD-approved agencies with an office in Cook County; 19 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Worth

No down payment, repair or rent-help program on our list is for Worth or Cook County. The ones below are statewide in Illinois: they work in Worth the same as in the rest of the state.

Which programs do I qualify for? All programs in Illinois

  • IHDAccess Home

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

  • IHDAccess Forgivable

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Forgivable

    See the program Official page

  • IHDAccess Deferred

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

Housing counselors near Worth

The HUD-approved agencies closest to the center of Worth, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Nid-Hca Chicago Il

    8232 S Western Ave, Chicago · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more

  • NSC (naca Counseling Subsidiary) - Chicago, IL

    4425 W 63rd St Ste 200, Chicago · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (773) 723-6222

  • Far South Community Development Corporation

    837 W 115th St, Chicago · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (773) 831-7107

Every agency in Cook County All counseling agencies in Illinois

Help in Spanish near Worth

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Worth

HUD’s record names them for Worth or Cook County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority Cook County Public housing and Section 8 vouchers (312) 542-4721

5 other authorities have an office in Cook County: see the list Source: HUD

Cities

Other cities in Cook County

These cities are also in Cook County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Cook County Housing in Illinois
See 84 more cities in Cook County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Worth, with the typical home value.

Neighboring counties

If Cook County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Worth.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Worth

Short answers with the numbers for Worth and all of Cook County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Worth?

The typical home value in Worth is $215,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cook County it is $324,500.

How much does it cost to rent in Worth?

Typical rent in Worth is $1,169 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cook County is $2,011.

What is the FHA loan limit in Worth?

Worth uses the FHA limit for all of Cook County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Worth?

The typical homeowner in Worth pays $5,510 a year, according to the U.S. Census Bureau. That is 2.56% of the home’s value; in Cook County, the rate is 1.91%.

Where can I find free help to buy or rent in Worth?

There are 42 HUD-approved counseling agencies with an office in Cook County. 19 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).